Your financial situation and future goals are unique, and I am here to provide the personalized guidance you need. Together, we will determine the services and support that best align with your needs, ensuring you get exactly as much—or as little—financial planning and advice as you require to achieve your objectives.

You can choose from a Comprehensive Financial Plan or focus on specific areas of your financial life. Here are the services available:

FOCUSED FINANCIAL SERVICES

• Financial Conversation

• Investments – Initial Review and Balance

• Investments – Annual Follow-up Review and Rebalance

• Retirement Planning

• Overhaul, Restructure, and Consolidate Accounts

• Debt Reduction Plan

• Social Security Optimization Analysis

• Pension Elections Planning

• House Sale or Refinance Guidance

• Estate Planning (Conceptual)

• Insurance Review and Recommendations

An engagement typically takes 4-10 hours. My fees reflect the actual time spent working with you, whether in person or over the phone, along with the time required for research, analysis, and providing recommendations. After our initial "Get Acquainted" meeting, I will provide a clear estimate of the fees based on your specific needs.

Because I offer Fee-Only services, you will never pay a commission or hidden fees. You also won’t pay for any more financial planning or advice than you actually need. With me, you will never be required to meet an account minimum, turn over your assets for management, or pay ongoing fees for services you don’t need.